The Slovenian Enterprise Fund (SPS) has launched a new public call, P7 2026 – Microcredits 2026, offering favorable financing for micro and small enterprises in Slovenia. The program provides fast access to liquidity, supporting smaller investments and working capital.

What is the Slovenian Enterprise Fund (SPS)?

The SPS is a public financial institution that supports entrepreneurship and the growth of SMEs in Slovenia. The call is financed through the Fund of Funds of SID Bank, the Slovenian Export and Development Bank.

Purpose of the Call

  • Provide repayable financing to micro and small enterprises
  • Cover eligible business and project costs presented in the application
  • Support business continuity, growth, and liquidity

Available Funds

  • Total allocation: EUR 10 million
  • Published: 23 January 2026 in the Official Gazette of the Republic of Slovenia No. 5/2026

Amount of Financing

  • EUR 5,000 to EUR 25,000 per company
  • 100% coverage of eligible costs
  • One microcredit per company only
  • Companies financed under P7 2025 or P7L 2025 are not eligible

Loan Conditions

  • Repayment period: 2 to 5 years
  • Moratorium: 1 to 6 months, extendable up to half of the loan maturity
  • Interest rate: 37.5% of 6-month EURIBOR + 0.8% fixed margin
  • Security: 8 company bills of exchange
  • Fees: No approval or management fees

Who Can Apply

  • Micro or small enterprises with a registered office in Slovenia
  • Legal forms: sole proprietor, limited liability company, cooperative with limited liability
  • At least one full-time employee
  • Company established and operating before 1 January 2024
  • Same tax number for at least 6 months prior to application
  • Credit rating: SB1 to SB7
  • Company not in difficulty
  • Company not operating in an excluded sector
  • Compliance with de minimis state aid rules

Eligible Costs

  • Tangible fixed assets: purchase of new equipment
  • Intangible fixed assets: patents and licenses
  • Material and merchandise costs
  • Service costs
  • Labor costs: net salaries, income tax, social contributions, meal costs, allowances
  • Related VAT charged on eligible costs

Non-Eligible Costs

  • Purchase of vehicles for road transport of goods
  • Construction, purchase, or renovation of business real estate
  • Solar power plants and energy storage facilities

Timing of Eligible Costs

  • Costs incurred up to 6 months before application submission
  • Costs incurred up to 18 months after loan approval

Application Process and Deadline

About SIBIZ

SIBIZ Business Services supports foreign entrepreneurs, business professionals, and corporate clients operating in Slovenia. Services include:

  • Tax advisory & accounting
  • Legal & payroll services
  • Company formation & relocation
  • Support with public tenders, financing applications, and regulatory compliance

More info: www.sibiz.eu